{"id":133966,"date":"2025-02-11T07:57:31","date_gmt":"2025-02-11T07:57:31","guid":{"rendered":"https:\/\/namso-gen.co\/blog\/do-i-need-rental-car-insurance-with-amex-platinum\/"},"modified":"2025-02-11T07:57:31","modified_gmt":"2025-02-11T07:57:31","slug":"do-i-need-rental-car-insurance-with-amex-platinum","status":"publish","type":"post","link":"https:\/\/namso-gen.co\/blog\/do-i-need-rental-car-insurance-with-amex-platinum\/","title":{"rendered":"Do I need rental car insurance with Amex Platinum?"},"content":{"rendered":"<p>Yes, you do not need rental car insurance with Amex Platinum because this credit card offers primary rental car insurance coverage when you use it to pay for the rental.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_62 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/namso-gen.co\/blog\/do-i-need-rental-car-insurance-with-amex-platinum\/#1_What_is_rental_car_insurance\" title=\"1. What is rental car insurance?\">1. What is rental car insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/namso-gen.co\/blog\/do-i-need-rental-car-insurance-with-amex-platinum\/#2_How_does_Amex_Platinum_rental_car_insurance_work\" title=\"2. How does Amex Platinum rental car insurance work?\">2. How does Amex Platinum rental car insurance work?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/namso-gen.co\/blog\/do-i-need-rental-car-insurance-with-amex-platinum\/#3_Do_I_need_to_pay_extra_for_Amex_Platinum_rental_car_insurance\" title=\"3. Do I need to pay extra for Amex Platinum rental car insurance?\">3. Do I need to pay extra for Amex Platinum rental car insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/namso-gen.co\/blog\/do-i-need-rental-car-insurance-with-amex-platinum\/#4_Does_Amex_Platinum_cover_all_types_of_rental_cars\" title=\"4. Does Amex Platinum cover all types of rental cars?\">4. Does Amex Platinum cover all types of rental cars?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/namso-gen.co\/blog\/do-i-need-rental-car-insurance-with-amex-platinum\/#5_Are_there_any_limitations_to_the_coverage_provided_by_Amex_Platinum\" title=\"5. Are there any limitations to the coverage provided by Amex Platinum?\">5. Are there any limitations to the coverage provided by Amex Platinum?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/namso-gen.co\/blog\/do-i-need-rental-car-insurance-with-amex-platinum\/#6_Do_I_need_to_decline_the_rental_car_companys_insurance_if_I_have_Amex_Platinum\" title=\"6. Do I need to decline the rental car company&#8217;s insurance if I have Amex Platinum?\">6. Do I need to decline the rental car company&#8217;s insurance if I have Amex Platinum?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/namso-gen.co\/blog\/do-i-need-rental-car-insurance-with-amex-platinum\/#7_What_should_I_do_if_the_rental_car_company_insists_that_I_need_their_insurance\" title=\"7. What should I do if the rental car company insists that I need their insurance?\">7. What should I do if the rental car company insists that I need their insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/namso-gen.co\/blog\/do-i-need-rental-car-insurance-with-amex-platinum\/#8_Can_I_use_a_different_credit_card_for_the_rental_and_still_be_covered_by_Amex_Platinum\" title=\"8. Can I use a different credit card for the rental and still be covered by Amex Platinum?\">8. Can I use a different credit card for the rental and still be covered by Amex Platinum?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/namso-gen.co\/blog\/do-i-need-rental-car-insurance-with-amex-platinum\/#9_Does_Amex_Platinum_rental_car_insurance_cover_international_rentals\" title=\"9. Does Amex Platinum rental car insurance cover international rentals?\">9. Does Amex Platinum rental car insurance cover international rentals?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/namso-gen.co\/blog\/do-i-need-rental-car-insurance-with-amex-platinum\/#10_Does_Amex_Platinum_cover_rentals_for_business_purposes\" title=\"10. Does Amex Platinum cover rentals for business purposes?\">10. Does Amex Platinum cover rentals for business purposes?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/namso-gen.co\/blog\/do-i-need-rental-car-insurance-with-amex-platinum\/#11_How_do_I_file_a_claim_with_Amex_Platinum_rental_car_insurance\" title=\"11. How do I file a claim with Amex Platinum rental car insurance?\">11. How do I file a claim with Amex Platinum rental car insurance?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/namso-gen.co\/blog\/do-i-need-rental-car-insurance-with-amex-platinum\/#12_Can_I_use_Amex_Platinum_rental_car_insurance_in_combination_with_my_personal_insurance\" title=\"12. Can I use Amex Platinum rental car insurance in combination with my personal insurance?\">12. Can I use Amex Platinum rental car insurance in combination with my personal insurance?<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"1_What_is_rental_car_insurance\"><\/span>1. What is rental car insurance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nRental car insurance is a type of coverage that protects you financially in case of damage or theft of a rental car.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_How_does_Amex_Platinum_rental_car_insurance_work\"><\/span>2. How does Amex Platinum rental car insurance work?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nAmex Platinum offers primary rental car insurance, which means it kicks in before your personal insurance, providing coverage for damage due to collision or theft of the rental car.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Do_I_need_to_pay_extra_for_Amex_Platinum_rental_car_insurance\"><\/span>3. Do I need to pay extra for Amex Platinum rental car insurance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nNo, the primary rental car insurance offered by Amex Platinum is included as a benefit of the credit card and does not require any additional payment.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Does_Amex_Platinum_cover_all_types_of_rental_cars\"><\/span>4. Does Amex Platinum cover all types of rental cars?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nAmex Platinum covers most rental cars, including standard vehicles, SUVs, and luxury cars, as long as the rental period does not exceed 30 consecutive days.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Are_there_any_limitations_to_the_coverage_provided_by_Amex_Platinum\"><\/span>5. Are there any limitations to the coverage provided by Amex Platinum?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, the coverage provided by Amex Platinum does not include liability insurance, personal injury protection, or personal property coverage.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"6_Do_I_need_to_decline_the_rental_car_companys_insurance_if_I_have_Amex_Platinum\"><\/span>6. Do I need to decline the rental car company&#8217;s insurance if I have Amex Platinum?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, in order to benefit from the primary rental car insurance provided by Amex Platinum, you must decline the rental car company&#8217;s collision damage waiver (CDW) or loss damage waiver (LDW).<\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_What_should_I_do_if_the_rental_car_company_insists_that_I_need_their_insurance\"><\/span>7. What should I do if the rental car company insists that I need their insurance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYou can inform the rental car company that you have primary rental car insurance through your Amex Platinum card and ask them to proceed with the rental without their insurance.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"8_Can_I_use_a_different_credit_card_for_the_rental_and_still_be_covered_by_Amex_Platinum\"><\/span>8. Can I use a different credit card for the rental and still be covered by Amex Platinum?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nNo, in order to be covered by Amex Platinum rental car insurance, you must use the card to pay for the entire rental transaction.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"9_Does_Amex_Platinum_rental_car_insurance_cover_international_rentals\"><\/span>9. Does Amex Platinum rental car insurance cover international rentals?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, Amex Platinum rental car insurance provides coverage for rentals worldwide, as long as the rental is not in your country of residence.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"10_Does_Amex_Platinum_cover_rentals_for_business_purposes\"><\/span>10. Does Amex Platinum cover rentals for business purposes?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, Amex Platinum rental car insurance covers rentals for both business and personal use, as long as the rental is paid for with the credit card.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"11_How_do_I_file_a_claim_with_Amex_Platinum_rental_car_insurance\"><\/span>11. How do I file a claim with Amex Platinum rental car insurance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nIn the event of damage or theft of the rental car, you can file a claim by contacting the Amex Platinum customer service and providing the necessary documentation.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"12_Can_I_use_Amex_Platinum_rental_car_insurance_in_combination_with_my_personal_insurance\"><\/span>12. Can I use Amex Platinum rental car insurance in combination with my personal insurance?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\nYes, you can use Amex Platinum rental car insurance as primary coverage and your personal insurance as secondary coverage if needed.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Yes, you do not need rental car insurance with Amex Platinum because this credit card offers primary rental car insurance coverage when you use it to pay for the rental. 1. What is rental car insurance? Rental car insurance is a type of coverage that protects you financially in case of damage or theft of &#8230; <\/p>\n<p class=\"read-more-container\"><a title=\"Do I need rental car insurance with Amex Platinum?\" class=\"read-more button\" href=\"https:\/\/namso-gen.co\/blog\/do-i-need-rental-car-insurance-with-amex-platinum\/#more-133966\">Read more<span class=\"screen-reader-text\">Do I need rental car insurance with Amex Platinum?<\/span><\/a><\/p>\n","protected":false},"author":30,"featured_media":107420,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[86279],"tags":[],"class_list":["post-133966","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-learn","no-featured-image-padding"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Do I need rental car insurance with Amex Platinum?<\/title>\n<meta name=\"description\" content=\"Yes, you do not need rental car insurance with Amex Platinum because this credit card offers primary rental car insurance coverage when you use it to pay\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/namso-gen.co\/blog\/do-i-need-rental-car-insurance-with-amex-platinum\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Do I need rental car insurance with Amex Platinum?\" \/>\n<meta property=\"og:description\" content=\"Yes, you do not need rental car insurance with Amex Platinum because this credit card offers primary rental car insurance coverage when you use it to pay\" \/>\n<meta property=\"og:url\" content=\"https:\/\/namso-gen.co\/blog\/do-i-need-rental-car-insurance-with-amex-platinum\/\" \/>\n<meta property=\"og:site_name\" content=\"Namso Gen Blog - 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